I officially dropped a USA address about 4 years ago. My USA bank has my Thai address but what little communications we do by mail takes 3-6 weeks. They also have toll free number for international calls. Social Security office also has Thai address. The office in Manila works fine for phone calls
Wise says it's taking 5 days for them to receive my money but it's debited from my account the next day. I've done seven transfers this month all the same. So I tried OFX and same 5 days. Not sure what's going on